Expert, New Business Underwriting

Job Title: Expert, New Business Underwriting
Function: New Business Underwriting
Division: Operations
JOB PURPOSE
Responsible for evaluating highly complex and high-risk cases, shaping underwriting policies and risk classification standards, mentoring senior underwriters, and collaborating with internal departments and external partners-including reinsurers and medical institutions-to ensure accurate, compliant, and efficient underwriting operations that enhance business performance, uphold professional standards, and support sustainable growth.
KEY ACCOUNTABILITIES
Key Accountabilities (1)
1. Underwriting insurance applications & professional consulting
- Evaluate life insurance applications with exceptional risk factors such as rare medical conditions, ultra-high financial coverage, hazardous occupations, or specialized products.
- Provide expert consultation to management and senior underwriters on cases exceeding standard authority or involving legal/ethical complexities.
- Act as the primary liaison with international reinsurers for extraordinary cases.
- Recommend strategic adjustments to underwriting policies, risk classification frameworks, and contract issuance conditions.
- Participate in resolving escalated complaints or disputes related to underwriting decisions.
Key Accountabilities (2)
2. Process Development & Technical Innovation
- Lead the development, standardization, and continuous improvement of underwriting guidelines, risk classification tables, and decision-making protocols.
- Propose enhancements to underwriting systems, decision-support tools, and performance dashboards.
- Collaborate with product, legal, and IT teams to ensure underwriting processes align with new product launches and regulatory updates.
- Contribute to strategic projects such as digital transformation, system upgrades, and internal quality audits.
Key Accountabilities (3)
3. Training & Capability Building
- Design and deliver advanced training programs for underwriting team members, focusing on complex case analysis, professional communication, and system utilization.
- Organize internal workshops, knowledge-sharing sessions, and periodic competency assessments.
- Serve as a mentor for high-potential underwriters, supporting career development and succession planning.
- Assist in building competency frameworks and performance evaluation standards for the underwriting function.